Why is there any debt after the credit card (debit card) has been repaid?

the credit card (debit card) is still in arrears, because the user still has part of the consumption amount included in the next bill, so there is still arrears to be repaid in the next period. Unless all the consumption amount of the user is included in the current bill, and then the user chooses to repay in full and does not continue to use the credit card (debit card), there will be no debt after the repayment.

for users, as long as the credit card (debit card) is used all the time, it will need to be repaid in each period, and it is not necessary to repay only when the card is not used and there is no debt.

Why do you need to repay the credit card if you don't spend it

The reason why you need to repay the credit card if it is useless is that after the credit card is activated, the bank will charge a certain annual fee, so there is a record of arrears on the credit card. After activation, most credit cards have to spend at least five times a year to avoid the annual fee. Of course, if the credit card has not been activated, there is no need to pay the annual fee, so there is no need to repay the card if it is not used.

1. how to calculate the three-day grace period for credit cards?

the three-day grace period for credit cards refers to three days after the repayment date. For example, if the repayment date is 1th, the grace period is 11th-13th. However, the deadline for repayment varies from bank to bank. The final repayment time of some banks is 23: 59 on the third day of the grace period, while the repayment time of some banks ranges from 17: to 21: on the third day of the grace period. If there are no special circumstances, it is best to repay on the repayment date. Even if you accidentally miss the repayment date, you should try to pay off the arrears within the grace period.

Second, how many people will go to jail after the deadline, that is, the starting penalty for credit card arrears is 5, yuan, and those below 5, yuan will not go to jail; Second, the legal basis: Article 196 of the Criminal Law: Credit card crimes and crimes are committed in one of the following circumstances, and the amount of credit card activities is relatively large. Not more than five years or criminal detention, and a fine of not less than 2, yuan but not more than 2, yuan; If the amount is huge or there are other serious circumstances, they shall be sentenced to not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan.

if the amount is especially huge or there are other particularly serious circumstances, the offender shall be sentenced to not less than 1 years or fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: (1) using a forged credit card. (2) It is time to use an invalid credit card. (3) using someone else's credit card. (4) It is a malicious overdraft. If the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and fails to return it for more than 3 months after being twice collected by the issuing bank, it shall be deemed as malicious overdraft as stipulated in Article 196 of the Criminal Law. < P > Why do you still owe money after the credit card has been repaid?

if the customer has already paid off, the credit card still shows a debt, probably because the payment has just been made and the money has not yet arrived. If the money has arrived, it may be that the banking system has not settled yet, so the debt situation has not changed.

When the payment is received and the banking system has completed the settlement, there will be no liabilities in the credit card. Sometimes the data will be delayed, so you can't see the status immediately, so customers can wait until the second day of repayment to make inquiries, and the information should have been updated by this time.

the repayment date of a credit card refers to the last time when all loans or the minimum repayment amount must be repaid according to the rules of the issuing bank. The due repayment date is calculated from the bill application date plus the interest-free period.

The rules of interest-free period vary from bank to bank. The shortest time is from the billing date to the last repayment date, and the longest time is from the day after the billing date to the last repayment date of next month. So the shortest is 2 days and the longest is 5 days. During this period, you must pay off the current bill in full.

I got a credit card, but I didn't use it. Why do I owe money?

the applied credit card is a non-rigid annual fee credit card. As long as the card is activated, the annual fee will be charged. The annual fee will be deducted directly from the credit card limit, which will cause the credit card to owe money. There is also a rigid annual fee, which will be charged regardless of whether you open the card or not. Even if it is not activated, the annual fee will be deducted automatically, which will lead to the phenomenon that the credit card does not owe money.

second, some special credit cards issued by banks, such as some high-end platinum cards, have a rigid annual fee. Once the cards are approved, the banks will charge the annual fee as usual regardless of whether the cards are opened or not. If the card you handle is a high-end card, the annual fee generated will be deducted from the credit card quota first even if there is no consumption. Therefore, if the general credit card has not been consumed but has received the bill, it may usually be the annual fee charged by the bank.

There are also some credit cards that are exempt from the annual fee for the first year. You can avoid the annual fee for the next year if you participate in swiping the card three times in the first year. However, many people have not used it since they applied for it, resulting in the annual fee for the second year and owing money. For unnecessary trouble, if you feel that you will not use the credit card, you can directly apply to the bank customer service for cancellation.

Let's stop talking about why credit cards still owe money.